So, my phone rang, this morning. A sweet little old lady said, "Hello. I just received a letter from you. My name is Lucy O."

I said, "I remember writing to you. How are you?"

"I am fine."

'Please tell me about your house. Does it have a mortgage?"

"No, we paid it off before my husband died."

"Is it occupied?"

"Yes. I live here."

"Are you thinking about selling?"

'Heavens no. I have lived here all my life."

"What is your situation?' (This is my favorite question.)

"I have no situation. You wrote me this nice letter and said you would like to talk with me, so I called. What is on your mind?"...